Who should I send the CCA request to?

[CloakandDaggerMan]

Sorry if I have posed this in the wrong place

 

Today out of the blue I received a letter from Clarity informing me that they have been instructed by

Arrow Global 'to make arrangements' for me to repay about £900.

 

However they are helpfully offering to accept around £700 if I pay within 7 days.

It states the original lender as TSB England and Wales.

 

I have no idea what this debt is about and have received no letters from Arrow or Clarity or any other DCAs and the TSB hasn't existed for years

 

My question is who do I send the request for information to?

If Clarity are just making arrangements does this mean they are now persuing this payment,

or should I ignore them and deal with either Arrow Global or TSB (I guessing Lloyds).

 

I really do not need an adverse CRA check at the moment

[dx100uk]

ignore

 

they are offering a discount

 

dx

[CloakandDaggerMan]

Thanks dx. I followed you advice and ignored the letter and the next threatening a 'doorstep visit' and have just received the 'make me an offer' version.

 

I really would like to get to the bottom of this (or at least get them to stop) and I am thinking I should find out what they think the problem is. I have two questions though:

 

If I send a CCA request letter would this just encourage them to continue and what happens if they ignore the CCA request or delay it?

 

It is important that my credit reference is kept clear for the next few months

 

once again thanks

[cerberusalert]

Send them this first http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

You need to find out what type of a/c it is, if it's a bank a/c a CCA is of no use.

 

BTW if you ahve not made a payment or written acknowledgement of the debt for a clear period of six years (five in Scotland) it will be Statute Barred in any case.

[dx100uk]

post 2 applies

 

it cant go back on your CRA file

 

its dropped off already

 

gone dead ended

 

dx

[CloakandDaggerMan]

Sorry to resurrect this old thread.

 

I followed the advice and sent Clarity the letter you suggested.

 

To be fair to them they invetigated the matter and when Arrow Global advised them that a copy of the agreement and terms and conditions were not available

they closed their interest in this matter. This was in April. The End or so I thought,

 

there was no communications of any kind until yesterday

when I received a doorstep visit treat-o-gram from Debt Managers Ltd Edinburgh claiming that I owe exactly the same amount to the same people as the original Clarity letter.

 

Now I could repeat the entire process by sending them the same letter as I did to Clarity but what is to stop this happening again and again. Would the OFT be interested in this?

 

Any advice gratefully received

[dx100uk]

sounds like you're on a phishing list

 

best p'haps to just ignore everything now

 

though a complaint wont go amiss!

 

dx

[dx100uk]

does this show on your CRA file?

 

dx

[stevealbert]

Have you kept the letter from Arrow Global stating that they cannot find an original agreement and terms and conditions??

If so, send this new bunch of leeches a copy of that letter...

Its unenforceable....they have no agreement......

Once they realize that it will very probably get pushed on to another blood sucking parasite..

As already mentioned before...when did the alleged debt start from????

If its over 6 years old its statute barred.......dead....no chance of payments ..ever....

[CloakandDaggerMan]

Have you kept the letter from Arrow Global stating that they cannot find an original agreement and terms and conditions??

If so, send this new bunch of leeches a copy of that letter...

Its unenforceable....they have no agreement......

Once they realize that it will very probably get pushed on to another blood sucking parasite..

As already mentioned before...when did the alleged debt start from????

If its over 6 years old its statute barred.......dead....no chance of payments ..ever....

 

Yes I kept the original letter which was from Clarity stating Arrow Global could not provide them with the original agreement etc rather than from Arrow themselves to me

 

They have never sent any dates of the alleged debt just quoted TSB England and Wales which ceased to exist in 1998 I think.